The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,772
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,951
−HK$183/mo
Today · 4.125%
HK$6,134
baseline
▲ 0.50% · 4.625%
HK$6,507
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,268/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,421
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,593
−HK$175/mo
Today · 4.125%
HK$6,768
baseline
▲ 0.50% · 4.625%
HK$7,124
+HK$356/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,536/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,926
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,141
−HK$219/mo
Today · 4.125%
HK$7,360
baseline
▲ 0.50% · 4.625%
HK$7,808
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,720/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,705
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,912
−HK$209/mo
Today · 4.125%
HK$8,121
baseline
▲ 0.50% · 4.625%
HK$8,549
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,242/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,080
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$255/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,174/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,989
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$245/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,950/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,389
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,712
−HK$328/mo
Today · 4.125%
HK$11,040
baseline
▲ 0.50% · 4.625%
HK$11,712
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,080/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,558
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,867
−HK$315/mo
Today · 4.125%
HK$12,182
baseline
▲ 0.50% · 4.625%
HK$12,824
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,364/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).